Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Bank of Scotland v Cowbag 13
Story so far
25 Aug sent the S.A.R - (Subject access request) letter, received my statements on day 42.
Sent letter requesting repayment of charges on 3 November for last 6 years amounting to £6118.30 before interest. Now as my branch is in England but i live in Scotland i understand i can claim in English courts, please correct me if i'm wrong now. The bank have written to me refusing payment so am about to send letter threatening court action before i plough ahead with the actual court. As i say this is very scary. All help greatly appreciated. i also understand that if i am successful the bank has to re instate my credit rating as it is at an all time low!!!!
Yes Jen, they're all right about that - but it'll be the most worthwhile headache you've ever had. You should indeed be able to claim through the English courts if the defendant has offices or branches in England.
Check out the threads about Contractual interest, too. They are big, but they ARE WORTHWHILE. Don't send your lba until you have read them, and understand what a difference claiming it can make.
The people here are truly amazing. Dive in, read up, and ask around.
All the best,
Bill.
PS - You'll probably find your defendant down there is HBOS plc., Trinity RD., Halifax - or possibly their Leeds office.
Thanks very much for your replies they are all greatly appreciated. I am reading as much as i can before i need to lock myself in the padded room!!! I get to a point though where too much info starts to get confusing, must be a blonde thing!!!
Thanks very much for your replies they are all greatly appreciated. I am reading as much as i can before i need to lock myself in the padded room!!! I get to a point though where too much info starts to get confusing, must be a blonde thing!!!
No, Jen - I ain't no dumb blond, either, but it can be a bit like studying for an exam. You have to do it gradually, then you have to do it again !!
Not easy for simians like me, but I found it fascinating first of all, especially when you see what some of the guys here know. Then you start to get to know some of the regulars, and it becomes a little village. Don't hurry, though - it ain't a walk in the park. More like a game of golf - you won't get to the 19th if you rush it !!
No, Jen - I ain't no dumb blond, either, but it can be a bit like studying for an exam. You have to do it gradually, then you have to do it again !!
Not easy for simians like me, but I found it fascinating first of all, especially when you see what some of the guys here know. Then you start to get to know some of the regulars, and it becomes a little village. Don't hurry, though - it ain't a walk in the park. More like a game of golf - you won't get to the 19th if you rush it !!
HTH
Bill.
Get back in your cage - you'll scare the poor girl!
Hi Jen,
Bill is right a few days and you will start to understand the wholething and your confidence will grow - well his has anyway now hes over 400!
Any questions Jen just postthem and someone wil lanswer.
Omg This thing is scary
v Cowbag 13
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Re: Omg This thing is scary
Originally Posted by Jen Runciman
